Conventional Loans – Cecilia Verissimo

Conventional Home Loans With As Little As 3% Down

If you have solid credit and some savings, a conventional mortgage can help you buy with flexible terms, competitive rates, and the option to remove PMI once you reach 20% equity.

Cecilia is a licensed mortgage broker helping buyers compare conventional, FHA, and other low‑down‑payment programs to choose the best fit.

Get Your Conventional Loan Pre‑Qualification

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Is a conventional loan a good fit for you?

Conventional mortgages are ideal if you have a stable income, good credit, and at least a small down payment saved. They’re not backed by the government, so lenders have more flexibility on pricing and guidelines, and you can often buy a home with 3–5% down, especially if you’re a first‑time buyer.

If that sounds like you, complete the short form below and I’ll show you exactly what you might qualify for.

Get Your Conventional Loan Pre‑Qualification

Share a few details and I’ll estimate how much home you may qualify for with a conventional mortgage, what your monthly payment could look like, and whether it’s your best option compared to FHA and other programs. No obligation.

Your information is private and used only to review mortgage scenarios

We’ll contact you within one business day with personalized options.

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Key benefits of a conventional loan

Down payments as low as 3% for many buyers, with options to put more down and lower your payment.
The ability to remove private mortgage insurance (PMI) once you reach about 20% equity, which can save you money over time.
Often better terms and flexibility for borrowers with higher credit scores and strong income.
Eligible for primary residences, second homes, and many investment properties.
Fixed‑rate and adjustable‑rate options so you can match your loan structure to your plans.

We’ll compare conventional against FHA and other programs so you know you’re not leaving money on the table

How the conventional loan process works

Share your goals and numbers
Fill out the quick form or schedule a call so we understand your budget, credit, and timeline.
Review your options
We look at conventional guidelines, estimate your maximum purchase price, and compare options like FHA, USDA, or other programs when relevant.
Get pre‑approved
You receive a pre‑approval letter so you can shop confidently and make strong offers.
Close on your home
We coordinate with your agent, underwriter, and title company to keep things on track through closing.

Recommended For Buyers Who Want Flexibility and Control

Typical conventional loan guidelines

Credit score:
Many lenders look for at least 620, with better pricing often available at higher scores.
Down payment:
As low as 3% for some buyers; 5–20% is common depending on your goals and eligibility.
Debt‑to‑income ratio (DTI):
Many programs aim for total debt payments around 43–45% of income, sometimes higher with strong compensating factors.
Property types:
Primary homes, second homes, and many one‑ to four‑unit investment properties.
Documentation:
Standard income and asset verification like W‑2s, pay stubs, tax returns, and bank statements.

Even if you’re not sure you meet these numbers, send your information, lenders can be flexible, and we’ll look for options that fit your situation

Conventional vs. FHA – which is better for you?

Conventional can be better if you have stronger credit and more down payment, especially if you want the ability to drop PMI later.
FHA can be better if your credit is lower or you need extra flexibility on guidelines, but it includes upfront and monthly mortgage insurance.
In many cases, we run both options and choose the one with the best long‑term cost for your plan.